| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO3 | 100 NORTH BROADWAY SUITE 900 SAINT LOUIS, MO 63102 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $27K | $36K | 3.77% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 NORTH BROADWAY SUITE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 17.66% |
| AEB BENEFITS LLC3 Filed as: AEB BENEFITS | 69 N GORE AVE. SAINT LOUIS, MO 63119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $761 | $0 | $761 | 2.61% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 NORTH BROADWAY SUITE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.00% |
| AEB BENEFITS LLC3 Filed as: AEB BENEFITS | 69 N GORE AVE SAINT LOUIS, MO 63119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $389 | $0 | $389 | 1.35% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N BROADWAY STE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $2K | $351 | $2K | 14.64% |
| AEB BENEFITS LLC3 Filed as: AEB BENEFITS | 69 N GORE AVE SAINT LOUIS, MO 63119 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $413 | $0 | $413 | 2.42% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 NORTH BROADWAY SUITE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $859 | $2K | 13.95% |
| AEB BENEFITS LLC3 Filed as: AEB BENEFITS | 69 N GORE AVE. SAINT LOUIS, MO 63119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $248 | $0 | $248 | 1.61% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $946K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $29K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.